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Most people are rich for a single day in their lives: the day they retire and receive their retirement savings. This moment is more critical than many people realise – it marks the change from saving for retirement to drawing an income from savings that will ideally sustain them until they die. All too often, pensioners end up struggling financially because they make the wrong decisions after they retire. It is crucial for retirees to apply themselves to securing a sustainable income.
This book provides a comprehensive overview of the vital issues that impact on retirement, such as taxation, investments, healthcare, estate planning and where to live when retired. It also identifies warning signs to look out for in order to avoid financial troubles.
Written in clear and straightforward language by well-known journalist Bruce Cameron and respected financial planner Wouter Fourie, this is the ultimate guide to help you achieve a secure and successful retirement.
Think Yourself Rich: A Step-by-Step Guide to Financial Independence is aimed at first-timeearners who want to put themselves on the right path to financial independence. It provides an easy-to-understand guide that explains in clear terms how to consciously choose and plan for a debt-free lifestyle and not only survive, but thrive, on the long-term journey towards financial freedom.
The book covers crucial issues about financial planning clearly and succinctly, including:
- Why it is important to get rid of all unnecessary debt as quickly as possible.
- When you should start saving or investing.
- How to plan for emergencies.
- How much and what kind of insurance you need.
- How much of your income you should save.
- How much of your income you should invest.
- Where, how and when you should invest.
Theoretical information about budgets, financial plans and investment (including all important terminology for various investment options) is interwoven with relevant reallife examples and scenarios that will inspire readers to set aside the time to design and write up a proper financial plan – and execute it. Each chapter builds on the previous one to help readers achieve their goals by sticking to their plans. This book will equip readers to take full control of their finances.
You have a residential investment property. Perhaps you are already renting it out. But are you doing it like a pro and do you know how to maximise your return from it?
In this book, property management expert David Beattie distils two decades of experience into easy-to-implement steps and shows you how to manage your property like a professional landlord. His goal is to help you make more money in less time and with fewer hassles, by showing you how to run your property investment like a business; navigate and comply with South African rental laws with ease; attract, screen, place and keep high-quality tenants; ensure successful and consistent rent collection; and maintain your property with the least effort and money.
The book also includes templates for all the documents the prospective landlord needs.
Stress impacts all facets of our lives and it is having devastating effects on the global economy. Effects such as reduced productivity and the huge burden being placed on healthcare systems around the world.
Research has revealed that stress can destabilise our DNA, thereby compromising our genetic integrity, leading to the increase in many of the diseases we as a society are grappling with. Stress on an ongoing basis is one of the biggest challenges faced by the human race but in short bursts it can actually offer tremendous potential to grow, break personal barriers and excel. This book is therefore one of resilience not avoidance.
Full of tools and skills to buffer the adverse effects of stress and enhance functionality and health, The Stress Code is a response to the global call for stress management solutions. Supported by extensive scientific research, the book offers comprehensive and structured insights and interventions to assist in thriving in adversity.
Practising Learning and Development in South African Organisations offers an outcome-based, occupation-directed and work-based L&D approach to workplace learning design.
It presents an insightful investigation into the learning preferences of a digital society in the rapidly evolving twenty-first century workplace, in a new chapter on learning design.
Het jy met te min geld afgetree om in jou behoeftes te voorsien? Of is jou situasie so kritiek dat jou maandelikse uitgawes nie meer deur jou aftree-inkomste gedek word nie? Is jy onseker en weet nie wat jy kan doen om jou finansiŽle posisie te verbeter nie?
Hierdie boek bied jou wenke hoe om uit jou finansiŽle verknorsing te kom. Dis ’n versameling riglyne wat finansiŽle adviseurs wÍreldwyd nuttig gevind het. Die planne word in eenvoudige taal en maklik verstaanbaar aangebied. Jy hoef nie ’n finansiŽle kundige te wees om hulle uit te voer nie.
This update of Fresh Perspectives Human Resource Management, provides comprehensive content for undergraduate courses in human resource management. The book maintains the characteristic features that led to the success of the first edition Ė accessibility, grounded in South African context, with strong academic support Ė and introduces a variety of enhancements in the new, streamlined two-colour design.
Competitiveness in the New Economy demands streamlined operations and a total organizational effort to more quickly improve bottom-line performance from shop floor to boardroom. The Lean Enterprise Memory Jogger provides quick access to lean principles and practices with comprehensive ?how-to-do-it? guidance on: the goals of the Lean Enterprise, visual management, error proofing, the Kanban System, lean metrics, and more. Introduction to Lean Concepts The Goals of the Lean Enterprise Visual Management Mapping the Value Stream Error Proofing Quick Changeover Standard Operations One-Piece Flow The Kanban System Lean Metrics Total Productive Maintenance A Lean Glossary
Being black is good. Being black is hard. The odds of success for any entrepreneur are poor. The odds of success for a young black entrepreneur are abysmal. The 7 Things Every Young Black Entrepreneur Should Know is a practical guide written to empower the next generation of young black entrepreneurs and assist them in improving those odds. Based on the author’s decade’s experience as an entrepreneur, it is a distillation of the most important lessons he has learnt, and will empower the reader to understand how to leverage their strengths, minimise their weaknesses, count the true cost of success, be patient, tell the difference between good and bad ideas, manage risk, raise funding wisely and build shared prosperity. And a whole lot more. And all from the young black entrepreneur’s perspective.
How do you grow your capital while still preserving it? And how do you use investment vehicles to contribute positively to your financial freedom and a comfortable retirement? The answer is simple: financial education is the precursor to good investment decision-making. Every potential investor should equip themselves with basic financial and investment fundamentals before investing in various products and asset classes. For those who envisage a carefree retirement but lack the means to achieve it, Invest Your Way to Wealth is the essential guide to financial freedom.Invest Your Way to Wealth explains the difference between consumer and investment debt, discusses the various insurance products, retirement annuities and forex markets, and clarifies the distinction between risk-free and risky assets. Easy to understand, practical and informative, Invest Your Way to Wealth will ensure that you, too, can watch your money grow and retire financially secure.
Robert Kiyosaki ― author of the #1 Personal Finance book of all time ― has built a legacy around simplifying complex and often-confusing subjects like money and investing. He continues to challenge conventional wisdom and asks the questions that will help readers sift through today's information overload to uncover ways to assess what's real… and what isn't. And use truth and facts as a foundation for taking control of their financial lives.
In this new book―that will be released, by chapter, online to invite reader feedback and questions that will be included in the print and e-book editions―Robert fights what’s ‘fake’ and helps readers differentiate between what’s real…and what isn’t.
Robert pulls no punches in his assessment of what is passed off as ‘fact’ or conventional wisdom and believes that a strong foundation―for anything we want to build―needs to start with solid, true information. In today’s uncertain times, creating a secure financial future and the peace of mind that comes with it starts with taking action and taking control.
In FAKE: Fake Money, Fake Teachers, Fake Assets, Robert delivers insights and answers that help ordinary people―who probably haven’t had a lot of financial education―determine what’s ‘real’ and relevant to their financial lives.
Every day we are bombarded with news reports and information and opinions…
How do we decipher fact from fiction? How do we differentiate between truth and lies? And determine what’s real… from what isn’t? Kiyosaki believes that it starts with education, financial education designed to make us smarter with our money―and able to fight what’s fake and use what isn’t to secure our financial future.
Rand en sent, gegrond op die gewilde gelyknamige RSG- program, is ’n onontbeerlike gids vir die man op straat tot goeie persoonlike finansiŽle bestuur. Die kundigheid van kenners van gerespekteerde finansiŽle instellings word op ’n toeganklike manier beskikbaar gestel aan lesers wat nie noodwendig toegang tot die dienste van adviseurs of konsultante het nie.
Raad word verskaf oor hoe om ’n begroting behoorlik op te stel – en te laat klop. Suid-Afrikaners wat hulle in die dryfsand van skuld bevind, kry waardevolle wenke oor hoe om uit die spiraal te ontsnap en te begin spaar. Alles wat ’n mens oor eiendombeleggings, algemene en aanlynbeleggings behoort te weet, is hierin vervat. Inligting oor hoe om die maksimum opbrengs uit polisse te verseker, word gegee, en skuiwergate wat ’n mens op die finansiŽle pad kan laat struikel, word uitgewys.
Hierdie boek is noodsaaklike leesstof vir alle Suid-Afrikaners wat verantwoordelikheid vir hul geldsake wil neem.
Services, whether online or offline, are important in modern economics in which the understanding is that Ďwe are all in servicesí. Service Marketing, a subset of the field of marketing, has evolved and developed a range of theories and models all focused on providing superior services offerings to todayís market and itís growing expectations of service delivery. New research provides additional contemporary insights into this dynamic and developing area. This text seeks to address the current research and its managerial implications, specifically by including new case studies and integrating new research results and new perspectives on the various aspects of services.
It’s time to think differently about finances if you:
• Can’t wait for the end of the month
• Wonder whether you will be able to retire in comfort
• Blame others for your financial situation
• Feel guilty when you want to enjoy your money
• Believe that it is impossible to save every month
• Doubt if you will ever be free of debt
MONEY WISE WOMAN will guide you in your beliefs about money in order to create wealth. In 52 lessons you will learn everything you need to know about finances, in a language you will understand. Our expert gives creative ideas for a passive income and shows you how to have more savvy with money.
Become as rich as you want to be!
Ons is geneig om onsself te onderskat omdat ons daarvan oortuig is dat ons vermoŽns beperk is. Maar wat as ons veronderstelde beperkings net ’n illusie is?
In Die impak van jou potensiaal identifiseer en ondersoek John Maxwell die sewentien sleutel-kapasiteite wat elke persoon besit. Ons is met sommige daarvan gebore, soos hoe ons dink of hoe ons aansluiting vind by ander. Die res is keuses, dikwels onbewustelik, wat ons ingesteldhede of persoonlike dissiplines insluit. En daar is ruimte vir groei by almal.
Maxwell gee duidelike en handige advies oor wat ons kan doen om in hierdie verskillende gebiede van ons lewe te groei. Leer hoe om jou emosies te beheer en jou energie te verhoog, hoe om op te hou om dinge uit te stel en meer gemaklik te raak met risiko’s. Sodoende sal jy jou eie verwagtinge oortref en beter word as wat jy ooit gedink het moontlik is.
'Great stories, great science, and great practical advice about how, when, and why to break the rules' - Angela Duckworth, international bestselling author of Grit.
Do you want to follow a script ― or write your own story?
Award-winning Harvard Business School professor Francesca Gino shows us why the most successful among us break the rules, and how rebellion brings joy and meaning into our lives.
Rebels have a bad reputation. We think of them as troublemakers, outcasts, contrarians: those colleagues, friends, and family members who complicate seemingly straightforward decisions, create chaos, and disagree when everyone else is in agreement. But in truth, rebels are also those among us who change the world for the better with their unconventional outlooks. Instead of clinging to what is safe and familiar, and falling back on routines and tradition, rebels defy the status quo. They are masters of innovation and reinvention, and they have a lot to teach us.
Francesca Gino, a behavioral scientist and professor at Harvard Business School, has spent more than a decade studying rebels at organizations around the world, from high-end boutiques in Italy’s fashion capital, to the World’s Best Restaurant, to a thriving fast food chain, to an award-winning computer animation studio. In her work, she has identified leaders and employees who exemplify “rebel talent,” and whose examples we can all learn to embrace.
Gino argues that the future belongs to the rebel ― and that there’s a rebel in each of us. We live in turbulent times, when competition is fierce, reputations are easily tarnished on social media, and the world is more divided than ever before. In this cutthroat environment, cultivating rebel talent is what allows businesses to evolve and to prosper. And rebellion has an added benefit beyond the workplace: it leads to a more vital, engaged, and fulfilling life.
Whether you want to inspire others to action, build a business, or build more meaningful relationships, Rebel Talent will show you how to succeed ― by breaking all the rules.
'Simply, utterly brilliant. Bursting with humility and humanity' THE SECRET BARRISTER 'A survival guide for the Trump era' GUARDIAN Banned by Putin, fired by Trump. And now he's free to talk. Multi-million-dollar fraud. Terrorism. Mafia criminality. Russian espionage. For eight years Preet Bharara, United States Attorney for the Southern District of New York, successfully prosecuted some of the most high-profile crimes in America. Along the way he gained notoriety as the `Sheriff of Wall Street', was banned from Russia by Vladimir Putin and earned the distinction of being one of the first federal employees fired by Trump. In Doing Justice Bharara takes us into the gritty, tactically complex, often sensational world of America's criminal justice system. We meet the wrongly accused and those who have escaped scrutiny for too long, the fraudsters and mobsters, investigators and interrogators, snitches and witnesses. We learn what justice is and the basics of building a case, and how judgement must be delivered not only with toughness, but with calmness, care and compassion. This is not just a book about the law. This is a book about integrity, leadership, decision-making and moral reasoning - and one that teaches us how to think and act justly in our own lives.
It's Robert Kiyosaki's position that, 'It is our educational system that causes the gap between the rich and everyone else.' He laid the foundation for many of his messages in the international best-seller Rich Dad Poor Dad - the #1 personal finance book of all time - and in Why the Rich Are Getting Richer, he makes his case... In this book, the reader will learn why the gap between the rich and everyone else grows wider; why savers are losers; why debt and taxes make the rich richer; why traditional education actually causes many highly educated people - such as Robert's poor dad - to live poorly. In this book, the reader will find out why going to school, working hard, saving money, buying a house, getting out of debt, and investing for the long term in the stock market is the worst financial advice for most people. In this book, the reader will find out why real financial education may never be taught in schools. In this book, Robert shares the answers found on his life-long search, after repeatedly asking the question, 'When will we learn about money?' In this book, the reader will find out 'What financial education is... really.'
Watter rol speel emosionele intelligensie in gesonde en effektiewe leierskap?
’n Gesonde span begin by ’n gesonde leier, en die kern van hierdie dinamika is emosionele volwassenheid – die eien≠skap waaroor alle werklike groot leiers beskik.
Leierskap en emosionele intelligensie kombineer Bybelse beginsels, die nuutste navorsing oor die brein en dekades se praktiese ondervinding om jou te wys hoe om jou leierskap en span na die volgende vlak te neem. Dit sal jou toerus om:
∑ emosionele volwassenheid in jouself en ander te kweek
∑ die vier gewoontes van besonderse leiers te ontwikkel
∑ ’n sterk groepsidentiteit te vestig en uit te bou
∑ verhoudings belangriker as probleme te hou
∑ produktiwiteit te verhoog deur vertroue, vreugde en betrokkenheid
Aan die einde van elke hoofstuk is daar ’n afdeling wat die wetenskap van die brein bespreek, asook besprekings≠vrae, en in sommige hoofstukke oefeninge om die buiten≠gewone gewoontes in te oefen. En agter in die boek is ŉ woordelys.
As jy jou organisasie na die volgende vlak wil neem, moet jy weet dit begin by jou. Leierskap en emosionele intelligensie sal jou toerus om vreugdevolle, emo≠sioneel volwasse en verhou≠dingsgedre≠we spanne te lei.
Ook beskikbaar in Engels onder die titel Rare Leadership.
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